Side-by-side · Q2 2026 data
The First National Bank in Cooper vs Employees United Federal Credit Union
Credit union
Employees United Federal Credit Union
Paris, Texas · Under $100 million in assets
Metric by metric
| Measure | The First National Bank in Cooper | Employees United Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 92 (stronger) |
| Capital cushion | 81 | 100 (stronger) |
| Loan quality | 52 | 97 (stronger) |
| Earnings | 56 | 63 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 45th | 92nd |
| Total assets | $57.3M | $12.4M |
| Deposits / shares | $49.7M | $8.3M |
| Capital ratio | 13.12% | 32.74% (stronger) |
| Problem loans | 1.44% | 0.08% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.07% |
| Return on assets | 0.90% | 1.07% (stronger) |
| Loans ÷ deposits | 60.5% | 31.7% (stronger) |
| Uninsured deposits | 13.3% | 0.1% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Employees United Federal Credit Union has the higher TellerScore (92 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank in Cooper leads on 1 and Employees United Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.